How to spot a credit repair scam
Advance fees, new identity numbers, and 'guaranteed deletions' are all federal red flags.
The Credit Repair Organizations Act makes several things illegal outright: charging fees before services are performed, telling you to dispute accurate information, and advising you to create a new credit identity with an EIN or CPN. Any company doing those things is not cutting corners — it's breaking the law and exposing you to fraud charges.
Legitimate help is transparent about what it does: it can't remove accurate information, can't promise a specific score increase, and must give you a written contract and a three-day right to cancel. If a pitch guarantees deletions, that's the tell.
The rest of this is inside the portal
The step-by-step tactics, exact wording, and escalation sequence live in your Fix My Reports workspace, where they're applied to your own report items. Start with a $1 trial, then $50/month — cancel anytime.